Carter Bankshares, Inc. (CARE)

NASDAQ: CARE · USD

$30.1

-0.18 (-0.6%)· Recorded snapshot

Market cap	668M
Revenue (ttm)	286.2M
Net income (ttm)	126.9M
EPS (ttm)	$5.77
Shares out	22.2M
P/E (trailing)	5.2x
P/E (forward)	12.8x
Dividend	$0.40 (1.33%)
Volume	99,239
Beta	0.59

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 286.2M
Net income (ttm): 126.9M
EPS (ttm): $5.77
P/E (trailing): 5.2x
P/E (forward): 12.8x
Market cap: 668M

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	Starker Kauf
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Starker Kauf
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Halten

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E12.8

P25 n/aP50 n/aP75 n/a

Trailing P/E5.2

P25 n/aP50 n/aP75 n/a

ROE27.2

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All CARE indicators

Market & fundamental data

Available fields

243

Groups with data

Currency

USD

Showing 243 of 243 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0001829576
Company name	Carter Bankshares, Inc.
Country	United States
Country code	US
CUSIP number	146103106
Earnings date	2026-11-10
Earnings time	bmo
Employees	687
Employees change	7
Employees growth	1.03%
Enterprise value	$459.9M
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	1974
In index	RUSSELL2000
Industry	Banks - Regional
Is primary listing	Yes
Is SPAC	No
ISIN number	US1461031064
Last 10-K release date	2026-03-05
Last earnings date	2026-07-23
Last refreshed	2026-10-28
Last stock split type	Never
Market cap	$668M
Market cap category	Small-Cap
Next earnings date	2026-11-10
Options	Yes
Price	$30.14
Price currency	USD
Sector	Financials
SIC code	6021
Stock price date	2026-10-28
Symbol	CARE
U.S. state	Virginia
Website	https://www.carterbank.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Adjusted P/E ratio	18.84x
Average P/E ratio (10Y)	53.49x
Average P/E ratio (3Y)	15.28x
Average P/E ratio (5Y)	13.15x
Earnings yield	19.16%
EV/Earnings	3.63x
EV/FCF	7.83x
EV/Sales	1.61x
FCF / EV yield	12.77%
FCF yield	8.79%
Forward EV/Sales	2.45x
Forward P/E	12.84x
Forward P/S	3.56x
Graham number	56.21579
Graham upside	86.5%
Industry forward P/E	10.04x
Industry P/E	11.85x
Lynch fair value	$144.34
Lynch upside	378.85%
P/B ratio	1.25x
P/E ratio	5.22x
P/FCF ratio	11.37x
P/OCF ratio	9.93x
P/S ratio	2.33x
PEG ratio	0.44x
Price / tangible book value	1.24x
Sector forward P/E	13.63x
Sector P/E	15.65x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Effective tax rate	22.32%
FCF margin	20.53%
Operating margin	59.46%
Pretax margin	57.83%
Profit margin	44.92%
Profit per employee	$184,690
Profitable quarters	10
Profitable years	5
Revenue per employee	$416,611
ROA	2.68%
ROA (5Y)	0.74%
ROE	27.22%
ROE (5Y)	8.48%
SBC / revenue	0.77%
Tax / revenue	12.91%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	324.79%
EPS growth (Q)	253.88%
EPS growth (QoQ)	-66.32%
EPS growth 10Y	15.34%
EPS growth 3Y	38.99%
EPS growth quarters	3
EPS growth years	2
FCF growth	100.66%
FCF growth 3Y	-2.93%
FCF growth 5Y	30.22%
Net income growth	309.81%
Net income growth (Q)	239.73%
Net income growth (QoQ)	-66.34%
Net income growth 3Y	35.23%
Net income growth quarters	3
Net income growth years	2
OCF growth	78.22%
OCF growth 10Y	5.93%
OCF growth 3Y	-2.95%
OCF growth 5Y	24.83%
Revenue growth	86.92%
Revenue growth (Q)	68.35%
Revenue growth (QoQ)	-52.34%
Revenue growth 10Y	9.79%
Revenue growth 3Y	20.03%
Revenue growth 5Y	18.23%
Revenue growth quarters	9
Revenue growth years	2

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-8.5M
EPS	$5.77
FCF per share	$2.65
Financing cash flow	$-154.1M
Free cash flow	$58.8M
Gross profit	$286.2M
Income taxes	$36.9M
Investing cash flow	$263.5M
Net borrowing	$-113.5M
Net cash flow	$176.6M
Net income	$126.9M
Operating income	$170.2M
Revenue	$286.2M
Stock-based compensation	$2.2M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	$24.33
Debt / equity	0.02
Debt / FCF	0.19
Goodwill	$1.2M
Net cash (debt)	$208.1M
Net cash / market cap	31.15%
Net debt / equity	-0.39
Net debt / FCF	-3.54
Piotroski F-Score	3
Property, plant and equipment	$69.8M
Shareholders' equity	$539.1M
Tangible book value	$537.1M
Tangible book value per share	$24.24
Total assets	$4.8B
Total cash	$219.5M
Total debt	$11.4M
Total liabilities	$4.3B
WACC	7.38%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	$-3.9B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	3.85%
Dividend growth	0%
Dividend growth (10Y)	-6.7%
Dividend growth (3Y)	25.99%
Dividend growth (5Y)	14.87%
Dividend growth years	0
Dividend payment date	2026-08-24
Dividend payment years	1
Dividend payout frequency	Quarterly
Dividend per share	$0.40
Dividend yield	1.33%
Ex-dividend date	2026-08-10
FCF payout ratio	15.09%
Last dividend	$0.10
Payout ratio	6.93%
Shareholder yield	5.17%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	151%
10Y return CAGR	9.79%
10Y total return	154.53%
150-day SMA	$29.56
15Y price change	298.61%
15Y return CAGR	11.06%
15Y total return	382.43%
1D price change	-0.59%
1M price change	-0.71%
1M total return	-0.71%
1W price change	-0.28%
1W total return	-0.28%
1Y price change	67.47%
1Y return CAGR	68.68%
1Y total return	68.62%
20-day SMA	$30.34
200-day SMA	$27.38
3M price change	-11.67%
3M total return	-11.4%
3Y price change	174.34%
3Y return CAGR	40.3%
3Y total return	176.22%
50-day SMA	$30.71
50-day SMA vs 200-day SMA	50over200
52-week high	$36.06
52-week high date	2026-08-04
52-week low	$16.78
52-week low date	2025-11-04
5Y price change	105.15%
5Y return CAGR	15.62%
5Y total return	106.56%
6M price change	22.24%
6M total return	23.08%
All-time high	$36.06
All-time high date	2026-08-04
All-time low	$5.05
All-time low date	2009-03-02
Average true range (ATR)	$0.64
Average volume	151.8K
Beta (1Y)	-0.22
Beta (2Y)	0.49
Beta (5Y)	0.59
Change from 52-week high	-16.42%
Change from 52-week low	79.62%
Change from all-time high	-16.54%
Change from all-time low	495.94%
Change from open	-0.3%
Day's gap	-0.3%
Dollar volume	$3M
High price	$30.23
Low price	$29.95
Monthly RSI	67.41
Open price	$30.23
Position in 52-week range	67.86%
Premarket change	-0.68%
Premarket close	$30.32
Premarket price	$30.12
Previous close	$30.32
Price vs 150-day SMA	1.81%
Price vs 20-day SMA	-0.81%
Price vs 200-day SMA	9.91%
Price vs 50-day SMA	-2.01%
Relative volume	0.65
RSI	45.15
Sharpe ratio	2.05
Sharpe ratio (3Y)	1.15
Sharpe ratio (5Y)	0.5
Sortino ratio	3.53
Sortino ratio (3Y)	2.07
Sortino ratio (5Y)	0.93
Volume	99.2K
Weekly RSI	54.58
YTD price change	53.08%
YTD total return	54.13%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	21.2M
Float percentage	95.81%
Shares change (QoQ)	-0.04%
Shares change (YoY)	-3.85%
Shares held by insiders	4.12%
Shares held by institutions	69.24%
Shares outstanding	22.2M
Short % of float	12.5%
Short % of shares	11.98%
Short ratio	9.7 days

Deeper analysis on CARE

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this CARE report

Is a complete CARE research report available?

No complete published report is available for Carter Bankshares, Inc. (CARE) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Carter Bankshares, Inc. (CARE)

Price

Financial snapshot

Fair-value bridge

Latest news · CARE

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All CARE indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on CARE

Frequently asked questions